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Old 02-23-2010, 06:30 PM   #21
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Collecting for 70 weeks will always have people looking for ways into it.

30 weeks was a big deal for me 5+ years ago.
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Old 02-23-2010, 07:00 PM   #22
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Collecting for 70 weeks will always have people looking for ways into it.

30 weeks was a big deal for me 5+ years ago.
I only got 26 wks in Illinois 3.5 years ago. Now it's up to almost 2 years and with a higher weekly rate.

I find it interesting that the extensions that Congress passes regularly only apply to the recently unemployed. Long term unemployed, like you and me tryan, get to pound sand. I'd think they'd realize that we need it much more than those pansies just now being laid off........
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Old 02-23-2010, 07:15 PM   #23
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wouldn't it be better to try to get the company to lay you off or eliminate your position instead of just flat quitting?
Careful -- if you kick it Peter Gibbons-style, your employer just might realize that you're a "straight-shooter with upper management written all over you" and do all they can to promote you and prevent you from leaving.
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Old 02-23-2010, 07:17 PM   #24
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It was obvious cuts needed to happen at my previous employer so I let it be known I was first in line. I met the legal requirement for my state which was applying for 2 jobs per week while receiving unemployment benefits. The good news/bad news is it took only 7.5 months to find a very good job in a state with a very high unemployment rate. Many weeks of unused benefits thrown back into the kitty!

I also initially misread the title.
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Old 02-23-2010, 09:45 PM   #25
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I wanted to retire many years before I had the proper years and age to do so. I kind of understand your thinking. I wanted out bad enough that all kinds of thoughts ran through my mind trying to figure out how to make it all happen. At one time during my career there was zero vesting in the system. But if your job was eliminated after 20 years of service you were entitled to a pension. I can remember thinking "how could I get them to eliminate my position"? If they would have had the same rule for getting fired I might have just zap slapped a boss or something to get out .
Anyway I do understand wanting out badly and trying your best to find a way.
I ended up doing my time "seemed like life without parole".
Now its over and I'm a happy camper.
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Old 02-23-2010, 11:19 PM   #26
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The moral dilemma in all of this is that because so many people "take (undue)advantage" of the system, the cost/rate we have to pay keeps going up, which psychologically tends to trick our minds into thinking "hey, I paid for it, why don't I get some for me?" ...and then it becomes a vicious cycle with more people on some sort of dole than the people who are working can reasonably support... and on, and on, and on. Thankfully I have never had to take UI benefits, and I have often thought that with the savings I have, I may be too personally embarrassed to take them even if I fell within the proper qualifications.

Not preaching at anyone here...that's just the way I see it.

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Old 02-23-2010, 11:47 PM   #27
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I retired about 3 years earlier than I originally planned. There came a point that I had to ask myself, "Johnny Paycheck now or try to hang on for another three years of a stressful environment?" When it came time to make my final decision, my mind was almost split in two people. On one side, the familiarity and the idea to rough it out for 3 years, or the heat-of-hearts telling myself 3 years felt like an eternity. I look at the calendar today and had I chose the rough it out path, I'd still be plugging away for almost 2 more years. Life is all about choices. I know in my heart-of-hearts I did the right choice for me ... that's all one can ask for.
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Old 02-24-2010, 03:59 AM   #28
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In my experience, people who get laid off tend to get more than people who leave of their own accord. The latter typically only get what they are contractually entitled to. The former will often be given additional money.

If you have made a decision that you are definitely willing to go, there is nothing wrong with tactfully holding your hand up. However, in most organisations doing so will have consequences if you change your mind (e.g. lower discretionary bonus, lower pay rise, reduced promotion prospects).

Another observation from the layoffs which occured in late 2008 and 2009 - the people who got laid off first often got better packages than the people laid off later. Given that the least useful people tend to be let go first and the best people get let go last this is kinda odd ?
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Old 02-24-2010, 06:16 AM   #29
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Here in Spain you get no unemployment benefits if you quit without a legal reason, i.e. illegal breach of contract by your employer. Conversely, you DO get benefits if you are justly fired.
Even though the legal reasons for quitting with benefits are many and generic, they don´t include merely getting bored by the job!
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Old 02-24-2010, 06:56 AM   #30
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If you're OK with having other Americans subsidizing your retirement under false pretenses through unemployment benefits and having Canadians subsidize your health care also under false pretenses - go for it. With all due respect, you can't be serious...
You make it sound as if "unemployment benefits" consists of sitting on the couch eating bonbons all day.

I think it's closer to being paid to do a job search. Most unemployment rules require the beneficiary to actually be going through the motions, if not the intent, of finding a job: answering ads, floating résumés, going to interviews. Sure, fraudulent intent isn't difficult to implement, but keeping up the scheme requires serious effort. Why, it's almost like... work.

Doesn't seem much worse to me than being "paid" by an "employer" to "work" when said concept consists of showing up for meetings, answering phones, and shuffling paper.

I suspect Canadian healthcare has the same number of wickets & hoops.

Sounds like the same discussion as filing for welfare benefits, or spending down/gifting assets to qualify for Medicaid. Again the concept of actually "getting away with it" is complicated by the bureaucratic jeopardy of compliance.

Maybe this type of conversation would be better in the "selling yourself" thread, but the seller doesn't put a very high value on the merchandise.
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Old 02-24-2010, 07:10 AM   #31
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You make it sound as if "unemployment benefits" consists of sitting on the couch eating bonbons all day.
That task is reserved for us retirees!
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Old 02-24-2010, 07:27 AM   #32
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I my case, I caught my last boss in a lie. When confronted, he wanted me gone but had no grounds. I negotiated a 26 weeks severance and then collected unemployment while I continued my search. I knew full well leaving in my fifties means a new job would be hard to come by in the Forbes rated most miserable city. But I didn't need a job as I was prepared to never go back to work.

After the 26 weeks severance ended, I did continue with 26 weeks of unemployment. As said before, extensions only applied to the newly
unemployed.

I have no regrets. Since I left four and 1/2 years ago, the company was sold twice, the 'boss' became president and the business and employee count has 'GROWN' to be half of what it used to be.

The best workers have left after me and it has become relatives and friends only apply.
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Old 02-24-2010, 08:10 AM   #33
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I love this forum and enjoy reading all the posts, but a question.....why is drawing unemployment compensation looked upon with such disdain by some of the forum members? Is it illegal? Wasn't it devised for our benefit if/when we are laid off or terminated?
Never received unemployment benefits. But if I knew I did not plan to go back to work after being laid off, I would have a tough time going through the motions of pretending to look for a job just to collect the benefits. Now if I thought I might want to work a few more months.....sure I would take the benefits and search for a job, even though it may be just short term job.

I guess it's all how we look at it.
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Old 02-24-2010, 10:05 AM   #34
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Got to stop reading these so fast...

I thought it was "getting laid better than retiring early".... and I was wondering what the answers were going to be....
I sent a thanks
but I am laughing so hard this deserves a repeat

If there is prize for post of the day, you win my vote.
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Old 02-24-2010, 10:18 AM   #35
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But if I knew I did not plan to go back to work after being laid off, I would have a tough time going through the motions of pretending to look for a job just to collect the benefits.
In MA they make it easy. You just phone in (from: your cell, the beach, the lake, the golf course ....) and answer a few questions via the touch tone into the computer and t he check is in the mail!

Coworkers spoke of being required to take classes (resume writing ... ) but that did not materialize for me. Not sure why/why not.
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Old 02-24-2010, 10:34 AM   #36
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Never received unemployment benefits. But if I knew I did not plan to go back to work after being laid off, I would have a tough time going through the motions of pretending to look for a job just to collect the benefits. Now if I thought I might want to work a few more months.....sure I would take the benefits and search for a job, even though it may be just short term job.
Man, you people are lazier than me!

From what I gather, you just send out 2 resumes a week. Respond to phone calls and emails in a reasonable time. Probably something that could be done in roughly an hour per week. For me it would be a touch over $500/week pay, or $500 an hour with favorable tax treatment. That's more than I earn at the ole day job (per hour).

Here's an excerpt from a "friend" (crazy former semi-stalkerish co-worker):

"Anything new?? I got the job offer at Megacorp. $10/hr. Hell yeah I turned it down.
Doesn't make sense.
...
I am going to Chicago tomorrow ...on your tax dollars."

Ahhh, unemployment benefits. Why work if you can make virtually the same doing nothing and traveling? Although I did confront this individual about whether she could legally turn down a valid job offer and continue to collect unemployment.

Although I told this same person I would be doing the same thing she was doing - "diligently" searching for a new job, while enjoying one's self and taking it easy. If DW and I were somehow simultaneously right-sized, we would probably pick somewhere nice and tropical and relocate for 99 weeks while "diligently" searching for a job pursuant to the requirements necessary to remain a valid dole-collector.

Regarding morality of collecting benefits, if you can situate yourself such that you comply with the terms of the program, I don't see a problem with collecting benefits. There is no notion of "fairness" when it comes to dole-collecting. No one would voluntarily refrain from claiming a proper tax deduction or credit if they legally complied with the requirements to take the credit or deduction. No different than collecting unemployment benefits I don't think. Just my opinion though, and everyone must act in accordance with their own views of the world.
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Old 02-24-2010, 10:39 AM   #37
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In MA they make it easy. You just phone in (from: your cell, the beach, the lake, the golf course ....) and answer a few questions via the touch tone into the computer and t he check is in the mail!

Coworkers spoke of being required to take classes (resume writing ... ) but that did not materialize for me. Not sure why/why not.
I was told by a friend MA has the most lucrative benefits. He live in Ohio but works on construction projects that take him to different states during the summer. He gets laid off every winter for 4 months and manages to file and collect MA unemployement even though his residence is in OH. It nearly doubles his weekly benefit (according to him).
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Old 02-24-2010, 10:46 AM   #38
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Regarding morality of collecting benefits, if you can situate yourself such that you comply with the terms of the program, I don't see a problem with collecting benefits.
If you are referring to collecting unemployment benefits when you never really intend to return to work (ie, you are retired), then it may not be a problem for those who can sleep at night while committing a fraudulent act.

I see it as stealing from some young wage earner who really does need unemployment to keep food on the table for his/her family while looking for another job. But hey, I'm an old dinosaur who still comes to attention and stops talking when the national anthem is played prior to the start of a ball game...
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Old 02-24-2010, 11:00 AM   #39
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I don't think it comes down to whether you need it or not. Son-in-law collected while actively looking for work, but he and DD did not need it as she has a good job. Should he not have collected it? Did anyone who needed it to put food on the table not receive it because he did?

I have a friend in his late 70s who has never filed for SS because he feels he doesn't need it and says he does not want government handouts. I see paying into SS by individuals and business the same as employers paying unemployment insurance--those programs were designed to pay for themselves.

To the OP's question re layoffs--DH's megacorp offered attractive packages for people who volunteered to be laid off, which allowed DH to leave 2 years earlier than planned (and the HR people encouraged everyone to file for unemployment benefits--interesting (dh didn't)). He would not have been laid off otherwise, ever, but he is thrilled with the bonus years.
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Old 02-24-2010, 11:13 AM   #40
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I do not necessarily think it wrong for an unemployed person (sincerely seeking employment) who doesn't need the money to draw unemployment. However, I do think it would diminish how I felt about myself if I did so.

I did not apply for unemployment insurance while "between opportunities" (age 31, two small kids and a stay-at home spouse). Had I not found work in a couple of months and prior to depleting our meager emergency fund, then no doubt I would have been in the unemployment line signing up.
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